EZE Loans Broker fee

[ILikeBicycles]

Hi Guys,

 

I hope I'm posting in the right area!

 

I applied online for a payday loan and was told by this company I had been accepted.

 

The loan was for £300 and they showed my a breakdown of repayments of around £35 p/month with a fee of £67.

 

They asked for my card details, which I gave and now they've taken the £67 fee but only provided details of other lenders!

 

I really thought they were providing the loan themselves and now I realise I've been stupid.....

 

Is there anyway I can get this back?

 

Cheers

 

Neil

[rebel11]

Hi il

 

Welcome to CAG

The guys will advise as soon as they are available. Thread moved.

[ihateyes]

What a sh!t website.... i notice they dont have a consumer credit license number displayed anywhere on their website.

 

Bit like Loanfinder you should be entitled to a refund if you not accepted for a loan. They may keep £5 for an admin cost.

 

More people know more than i do, i fell for of these Scams,,, keep hounding them. They have no right.

Im sure these boys need reported to OFT

[maroondevo52]

Hi,

 

I would not waste any time phoning them, write to them Registered post saying your taking the loan application no further and that you want a full refund of fees less their legal £5 admin charge. Keep all copies of letters/postal registration numbers. Tell them they have thirty days to refund or you'll take legal action.

 

Be clear about the final date they have to refund you and by what method (cheque ect) and if they dont pay by this date, they will also be responsible for any court/admin costs.

 

Regards.

 

Scott.

[kelzerz]

hello i was done the same way i applied for a loan whilst waitin for decision this came up i added details thinkin i got accepted n bang they took all my money too !!!! so ur not the only stupid person around guess we were fooled!

[42man]

What you must do is report these companies to the OFT. Then write a letter requesting the money back (less their £5 admin fee). If they fail to do this then report them to the Financial Ombudsman Service. Who will charge this company £450 to investigate your complaint.

[Miss Charlotte]

They have taken money out of my account and i dont even want their seervices how do i get this back. Need help as they have taken the last bit of money i had for the month. I have tried emailing them and cannot find a telephone number for them

[FraserM]

Eze loans are just are a bunch of artful, conniving maggots. They do not, I believe, offer anyone any realistic chance of getting a loan, they're just there to take advantage of hard up people who can't get loans from reputable banks/lenders. They seem to pose as actual lenders and get you to give bank/card details as if you've been accepted then proceed to debit, without your permission, fees for matching you with possible lenders, nothing in their site indicates this. What they do may (possibly) be just this side of the law but they are a totally disreputable firm who should not be touched with a barge pole. I had £105 taken from my account by ezeloans and another loan company (they pass on your details to other similar firms, who may just be ezeloans under another name).

If you've fallen victim to these crooks CANCEL YOUR PAYMENT CARD IMMEDIATELY because the first unauthorised debit from your account is unlikely to be the last.

Edited April 4, 2011 by FraserM
spelling mistake

[dorts]

Hi Guys,

 

I hope I'm posting in the right area!

 

I applied online for a payday loan and was told by this company I had been accepted.

 

The loan was for £300 and they showed my a breakdown of repayments of around £35 p/month with a fee of £67.

 

They asked for my card details, which I gave and now they've taken the £67 fee but only provided details of other lenders!

 

I really thought they were providing the loan themselves and now I realise I've been stupid.....

 

Is there anyway I can get this back?

 

Cheers

 

Neil

HOPE THIS WORKS FOR YOU I GOT THIS REPLY FROM CS AND THE TERMS AND CONDITIONS

Thank you for your email with regards to obtaining a refund of your initial membership fee. We are sorry that you wish to cancel your membership with us, in order to completely cancel your account and obtain a refund of your initial fee you need to follow the steps laid out below:

 

To confirm your cancellation and to obtain a refund of the membership fee you will need to write to Customer Services, Ezeloans.net, 88 Wood Street, London, EC2V 7RS as per the terms and conditions you agreed to when you signed up:

 

4.2 Under the Financial Services (Distance Marketing) Regulations 2004 you have a right to cancel your application within 14 days of receiving these terms and conditions and receive a refund. If You wish to cancel your application, You must write to us confirming your request to cancel your application, either in writing to: Customer Services, Ezeloans.net, 88 Wood Street, London, EC2V 7RS.

 

Please include the following information:

 

REF - YOU WILL HAVE TO GET A REFERENCE OFF THEM

 

-Name

 

-Postal Address

 

-Membership Fee

 

-Email address used to register

 

On receipt of your signed refund request your refund will be processed, dispatched and returned to your account within 14 working days.

[42man]

I am staggered, this company must have made a huge amount of money out of peoples desire to obtain a loan, only to find that they have been charged a whopping amount for no guarantee whatsoever.

 

If it was me I would write to them by recorded delivery requesting a refund. If they fail to respond to your satisfaction with a full refund minus £5 for 'admin' within the maximum 8 weeks allowed I would open a case with the Financial Ombudsman, bearing in mind the FOS will charge them £450 to investigate your complaint, and are likely to find in your favour.....

[42man]

Their terms and conditions state... - "A one off joining fee of no more than £74.85 is payable in most cases after you have had an average of 14 days membership and access to the site. If you have not cancelled/terminated your membership with us, you will be automatically charged by a direct charge to the debit/credit card authorised by the member with an ongoing membership fee of £8.89 which is payable monthly until such time as you decide to cancel your membership."

 

I'd argue that if EVERYBODY read these terms before taking any further steps they would NOT apply....What a complete rip off...

[42man]

Also interesting is that their offices are at 88 Wood Street, London, EC2V 7RS which is the same address as Regus offfice rentals !!!! very worrying...

[missmolko123]

Hi,

 

Im really sorry to say this but I dont think you will get it back. I had the same problem.

 

5 days ago I applied for a loan with them, then as soon as I realised they were a broker and would charge me a fee, I cancelled my application. The next day they took £74.75 out of my bank account.

I checked their terms and conditions, which state that if you cancel within 14 days you will receive a refund.

I immediately emailed them (there is no telephone number to be found), cancelling my application again, and asking for a refund. After a few emails back and forth, they eventually gave me an address to send a letter to, and said I would need to include my reference number. I asked for this, but received no reply. I managed to get hold of the reference number and sent the letter, then emailed yesterday asking if they had received it, with no reply.

I emailed again today to ask if they had received the letter, and had another few emails back and forth, along the same lines as the first ‘you applied for a loan so we took the membership fee’, ‘we have people waiting to give you a loan, log into our website to apply’, etc. Eventually, the last email they sent me stated again that I needed to send a letter to receive a refund!

I am getting no sense out of them whatsoever, and it doesn’t look like I’m going to get my money back. Apparently the address that they give is a Regus managed office, and they confirm that the company aren’t there anymore, yet they are still giving the address out for complaints. They also have no company number. They basically rely on the knowledge that we are so worried about the fact we have no money, that we apply anywhere for a loan without checking, which I know is stupid, but desperate times and all that.

I decided to stop being defeatist about it and TAKE THEM DOWN!!! I've reported them to the FSA and also BBC Watchdog, think OFT is next on my list and Fraud Police and then whoever I can think of that might listen! It’s important that people know to stay away from them!

[42man]

In which case you should open up an investigation of your case with the Financial Ombudsman.....

[dorts]

Hi,

 

Im really sorry to say this but I dont think you will get it back. I had the same problem.

 

5 days ago I applied for a loan with them, then as soon as I realised they were a broker and would charge me a fee, I cancelled my application. The next day they took £74.75 out of my bank account.

I checked their terms and conditions, which state that if you cancel within 14 days you will receive a refund.

I immediately emailed them (there is no telephone number to be found), cancelling my application again, and asking for a refund. After a few emails back and forth, they eventually gave me an address to send a letter to, and said I would need to include my reference number. I asked for this, but received no reply. I managed to get hold of the reference number and sent the letter, then emailed yesterday asking if they had received it, with no reply.

I emailed again today to ask if they had received the letter, and had another few emails back and forth, along the same lines as the first ‘you applied for a loan so we took the membership fee’, ‘we have people waiting to give you a loan, log into our website to apply’, etc. Eventually, the last email they sent me stated again that I needed to send a letter to receive a refund!

I am getting no sense out of them whatsoever, and it doesn’t look like I’m going to get my money back. Apparently the address that they give is a Regus managed office, and they confirm that the company aren’t there anymore, yet they are still giving the address out for complaints. They also have no company number. They basically rely on the knowledge that we are so worried about the fact we have no money, that we apply anywhere for a loan without checking, which I know is stupid, but desperate times and all that.

I decided to stop being defeatist about it and TAKE THEM DOWN!!! I've reported them to the FSA and also BBC Watchdog, think OFT is next on my list and Fraud Police and then whoever I can think of that might listen! It’s important that people know to stay away from them!

 

 

 

today i got the reply

I can confrim that we have received your signed refund request; your refund will be processed, dispatched and returned to your account within 14 working days.

 

Regards

 

Kate

 

so dont give up and be so negative, keep at em

[dorts]

did you send by recorded delivery, this is a must, forget emails until you have the delivery proof, then email them again dont go through the site use the reply of the same emails that are sent to you, so you have a complete response recorded. this took about 4 emails and a letter, now ive got my money back...yee haa. There is a REBECCA working for them she is a complete beeeeeatch, she will send the same replys that are in the terms and conditions, but wont send you the Tsand Cs about refunds.

[annatbury]

I am new to this site, but have just had dealings with Eze Loans, I completed the application form online on Thursday night (7th April) and they took the payment from my bank on Friday (8th April). I have been in email contact with them on and off all day today and finally after quoting their "14 day cooling off period" they sent me a reference number and details of how to get my money back (see below).

 

PLEASE DO NOT BE FOBBED OFF BY THEM - THEY WILL QUOTE THEIR TERMS & CONDITIONS TO YOU - JUST QUOTE THEM BACK!!!!

 

To confirm your cancellation and to obtain a refund of the membership fee you will need to write to Customer Services, Ezeloans.net, 88 Wood Street, London, EC2V 7RS as per the terms and conditions you agreed to when you signed up:

4.2 Under the Financial Services (Distance Marketing) Regulations 2004 you have a right to cancel your application within 14 days of receiving these terms and conditions and receive a refund. If You wish to cancel your application, You must write to us confirming your request to cancel your application, either in writing to: Customer Services, Ezeloans.net, 88 Wood Street, London, EC2V 7RS.

Please include the following information:

REF -

-Name

-Postal Address

-Membership Fee

-Email address used to register

[Sheepy27]

Hi guys theses idiots have stung me aswell do any of you have the contact email for them I want my money back too has anyone actually recived any monies back from them yet? I hope so!! Can't belive I was so silly the worst thing was for me stood in tescos at the counter with £94's worth of shopping all packed up in they frilly only for my card to be turned down jokers

[Fallon101]

Hi guys, ive been stung by these too! I emailed them today after £75 was taken out of my account. I was given a reference number with my email and told to write in and my money would be back in my account within 14 days! So i will see what happens, if not i will be in touch with the financial ombudsman so they are investigated and paying out fees that they dont want to be paying out and wont be getting back!!!!

[Fallon101]

Sheepy27 i went to ezeloansinfo.co.uk scroll down to the last paragraph and click complaint, its a direct email, it looks like your on the wrong site as it redirects you to easyloans! But as you will see when they reply it is eze loans! Hope this helps

[42man]

It would seem that EZE loans do not have a consumer credit licence. They certainly do not mention one on their website. They aren't registered with the Information Commissioners Office and are not licensed by the FSA. If it was me I would steer well clear of them....

[42man]

And once again I would stress that if they refuse to send back your money minus £5 for admin, I would have no hesitation in opening a case with the Financial Ombudsman who would charge Eze £450 to investigate your complaint....

[lauren3101]

You can get this back.

 

I sent an email nearly 2 weeks ago asking them for a refund, and received a generic reply in return telling me what services they offer. I then responded straight away and made it very clear that I wanted a refund immediantly.

 

They didn't respond, so I sent a letter, as requested in their Terms and Conditions by recorded delivery (make sure you send it like this, it's too easy for a company to say 'we didn't receive it'), and I received confirmation that it was signed for and delivered. A week later, after having no confirmation that it was at least being processed, I logged a complaint with the Financial Ombudsman Service and sent Ezeloans this email:

 

: Hi,

 

I have requested a refund from your company 4 times and am yet to receive a response.

 

As stated in your terms and conditions, one request was made by letter, to your address in 88 Wood Street, well within the 14 days cooling off period. This letter was sent recorded delivery, and was signed for by U.Izat at 10:56am on 06/04/11.

 

Due to the worrying level of websites dedicated to calling your company a [problem], and the fact that your supposed 'address' is also the office of Regus office rentals, I have now taken my complaint to the Financial Services Ombudsman, who will charge you £450 to investigate your company.

 

In light of this, I feel it would be more worthwhile for you to refund my membership fee of £74.95, minus the £5 admin fee that you are legally allowed to take, immediantly. If this happens, I will withdraw my complaint to the Ombudsman.

 

Thank you for your time.

Lauren Hudson

 

I then received this email in return today:

 

Chris, Apr-14 14:06 (AZOST):

 

We have returned the membership fee back to your account as requested. The funds can take 3-5 working days to show in your account.

Kind Regards

ezeloans

 

 

Keep at them. They rely on people giving up and letting them keep the money, you are entitled to a refund by law. I will not be withdrawing my complaint to the Ombudsman as promised. I will be simply 'transferring' it to the FSA themselves. This company cannot keep getting away with trying to con people.

Edited April 15, 2011 by lauren3101

[vjohn82]

This would be going to the FOS if it was me...

[kerrymiller27]

hey guys..i signed up for these gits to take 67quid from my account...i too was under the impression they would give me a loan and add the 67quid to the repayments! anyway,iv emailed back and forth..sometimes they just fob you off by posting the sections of there t&c's..but u have to be forcefull! i threatened legal action every day..emailed 3/4 times a day...after the 3rd day they said to write a letter with a ref num(get this off the customer services) stating u want to cancell...SEND IT RECORDED DELIVERY!!!!! ITS A MUST... they finally said i could have my refund and today its in my bank...so please dont think all is lost....keep trying!